One wallet for everything you pay for — in one place.
Fund your wallet, pay bills and school fees, buy airtime and data, get exam e-pins, and withdraw whenever you need to. Secure, instant, and backed by a real ledger — not a spreadsheet.
Everything you need, in one app
No more juggling five different apps and USSD codes for one afternoon of errands.
One secure wallet
Fund by bank transfer or card, and watch every naira move through a real double-entry ledger — not a single number someone can quietly edit.
Airtime & data
Top up any Nigerian network in seconds, for yourself or someone else, straight from your wallet balance.
Electricity & TV
Pay electricity discos and TV subscriptions without leaving the app — no queues, no separate USSD codes to remember.
Exam e-pins
WAEC result-checker pins and JAMB e-PINs, delivered instantly so you can move straight to registration.
School fees & billers
Pay a school, association, or contribution registered on PAYDER directly — priced exactly the way that biller set it up.
Fast withdrawals
Move money back out to your own bank account whenever you need to, with a clear, upfront fee shown before you confirm.
How it works
Three steps, whether you're a customer or a guest.
Create your account
Sign up with your email and phone in under a minute — or skip this entirely if you just need to pay a biller once.
Fund your wallet
Bank transfer or card. Every credit is verified and posted to your ledger balance before it ever shows as available.
Pay, top up, or withdraw
Bills, airtime, data, exam pins, or cash back to your bank — each one instant, each one recorded in your statement.
Paying a school fee or association due? You don't need an account.
Find the biller, fill in your details, and pay by card or transfer — done in minutes, receipt sent straight to your email.
Pay a bill nowSee everything PAYDER can do for you
A full breakdown of every service — wallet funding, bill payments, airtime and data, exam pins, and withdrawals.
View all services